I don't want to live in a world where I have to track down and personally inspect the factories and farms that produce my food.

If I deposit cash at a member bank that the government says is compliant with their rules and regulations, that should not imply any risk taking on my side.

If I use a payroll provider like rippling that uses SVB as their payment rails, I shouldn't have to worry about that.

If I use a service that goes under because they can't fund payroll because of a banking supply chain issue, that seems rather hard to due diligence.

If you honestly hold that position, I suggest you get a little bit of empathy for decision-makers. It will make you a better member of society.